Can I retire at age 35 with 2,400,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $2,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$198,190$196,424$194,702$193,021$191,379$185,849
2 years$98,114$96,286$94,516$92,799$91,133$85,605
3 years$64,759$62,924$61,158$59,457$57,819$52,467
4 years$48,086$46,256$44,507$42,835$41,237$36,101
5 years$38,084$36,265$34,539$32,902$31,347$26,443
6 years$31,418$29,613$27,913$26,312$24,804$20,135
7 years$26,659$24,869$23,196$21,632$20,172$15,739
8 years$23,091$21,318$19,672$18,147$16,735$12,534
9 years$20,318$18,561$16,943$15,457$14,093$10,121
10 years$18,100$16,360$14,772$13,324$12,008$8,259
11 years$16,287$14,565$13,005$11,596$10,327$6,795
12 years$14,777$13,072$11,541$10,171$8,950$5,627
13 years$13,500$11,814$10,311$8,980$7,804$4,684
14 years$12,407$10,738$9,265$7,971$6,841$3,916
15 years$11,460$9,810$8,365$7,109$6,023$3,285
16 years$10,633$9,000$7,584$6,365$5,324$2,763
17 years$9,904$8,289$6,901$5,719$4,720$2,330
18 years$9,256$7,659$6,300$5,154$4,197$1,969
19 years$8,677$7,099$5,767$4,657$3,741$1,666
20 years$8,157$6,596$5,293$4,218$3,341$1,412
21 years$7,687$6,144$4,868$3,828$2,990$1,198
22 years$7,260$5,735$4,487$3,481$2,680$1,018
23 years$6,871$5,364$4,143$3,170$2,406$865
24 years$6,515$5,026$3,832$2,891$2,163$736
25 years$6,188$4,717$3,549$2,640$1,946$626
26 years$5,886$4,433$3,291$2,414$1,753$533
27 years$5,607$4,172$3,056$2,210$1,580$454
28 years$5,349$3,931$2,841$2,025$1,426$387
29 years$5,109$3,708$2,644$1,857$1,288$330
30 years$4,885$3,502$2,463$1,704$1,163$281
31 years$4,677$3,311$2,296$1,565$1,052$240
32 years$4,481$3,133$2,142$1,438$951$205
33 years$4,298$2,967$2,000$1,323$861$175
34 years$4,126$2,812$1,869$1,217$780$149
35 years$3,964$2,667$1,747$1,120$706$127
36 years$3,812$2,531$1,634$1,032$640$109
37 years$3,668$2,404$1,530$951$580$93
38 years$3,532$2,285$1,433$876$526$79
39 years$3,403$2,173$1,342$808$477$68
40 years$3,281$2,067$1,258$745$432$58
41 years$3,165$1,968$1,180$687$392$49
42 years$3,056$1,874$1,107$634$356$42
43 years$2,951$1,785$1,038$586$323$36
44 years$2,852$1,702$975$541$293$31
45 years$2,757$1,623$915$499$266$26
46 years$2,666$1,548$860$461$242$22
47 years$2,580$1,477$808$426$219$19
48 years$2,498$1,410$759$394$199$16
49 years$2,419$1,347$713$364$181$14
50 years$2,343$1,287$671$336$164$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,400,000, adding $5,907 every year, while hoping to spend $24,274 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 64/13/23 Blend
34$2,400,000$2,400,000$2,400,000$2,400,000
35$2,650,893$2,523,693$2,486,493$2,804,346
36$2,895,457$2,621,527$2,543,963$3,006,368
37$3,164,153$2,723,341$2,602,545$3,223,748
38$3,459,416$2,829,304$2,662,250$3,460,700
39$3,783,931$2,939,594$2,723,090$3,719,145
40$4,140,653$3,054,396$2,785,075$4,001,194
41$4,532,840$3,173,902$2,848,215$4,309,175
42$4,964,080$3,298,313$2,912,521$4,645,647
43$5,438,327$3,427,841$2,978,001$5,013,430
44$5,959,935$3,562,705$3,044,663$5,415,628
45$6,533,706$3,703,134$3,112,516$5,855,658
46$7,164,925$3,849,369$3,181,567$6,337,286
47$7,859,419$4,001,660$3,251,821$6,864,655
48$8,623,608$4,160,269$3,323,285$7,442,329
49$9,464,563$4,325,470$3,395,963$8,075,336
50$10,390,078$4,497,547$3,469,857$8,769,211
51$11,408,740$4,676,801$3,544,971$9,530,053
52$12,530,010$4,863,543$3,621,306$10,364,576
53$13,764,313$5,058,098$3,698,862$11,280,178
54$15,123,137$5,260,809$3,777,637$12,285,008
55$16,619,139$5,472,030$3,857,630$13,388,040
56$18,266,266$5,692,135$3,938,836$14,599,161
57$20,079,888$5,921,512$4,021,250$15,929,262
58$22,076,939$6,160,569$4,104,864$17,390,341
59$24,276,079$6,409,729$4,189,669$18,995,615
60$26,697,871$6,669,438$4,275,655$20,759,645
61$29,364,974$6,940,160$4,362,809$22,698,470
62$32,302,354$7,222,381$4,451,117$24,829,763
63$35,537,525$7,516,609$4,540,560$27,172,994
64$39,100,804$7,823,374$4,631,120$29,749,613
65$43,025,599$8,143,232$4,722,775$32,583,252
66$47,348,723$8,476,763$4,815,501$35,699,949
67$52,110,742$8,824,574$4,909,270$39,128,390
68$57,356,360$9,187,300$5,004,053$42,900,183
69$63,134,836$9,565,605$5,099,816$47,050,154
70$69,500,452$9,960,183$5,196,523$51,616,672
71$76,513,026$10,371,760$5,294,134$56,642,015
72$84,238,474$10,801,095$5,392,607$62,172,766
73$92,749,433$11,248,983$5,491,893$68,260,251
74$102,125,946$11,716,255$5,591,943$74,961,026
75$112,456,220$12,203,779$5,692,701$82,337,406
76$123,837,455$12,712,464$5,794,107$90,458,054
77$136,376,763$13,243,263$5,896,097$99,398,628
78$150,192,179$13,797,169$5,998,602$109,242,497
79$165,413,774$14,375,223$6,101,548$120,081,522
80$182,184,885$14,978,515$6,204,856$132,016,923
81$200,663,465$15,608,183$6,308,440$145,160,239
82$221,023,575$16,265,421$6,412,209$159,634,372
83$243,457,028$16,951,475$6,516,067$175,574,751
84$268,175,198$17,667,651$6,619,908$193,130,608
85$295,411,016$18,415,314$6,723,623$212,466,385
86$325,421,170$19,195,894$6,827,094$233,763,284
87$358,488,523$20,010,887$6,930,196$257,220,980
88$394,924,790$20,861,857$7,032,795$283,059,499
89$435,073,474$21,750,445$7,134,750$311,521,299
90$479,313,115$22,678,363$7,235,910$342,873,553
91$528,060,857$23,647,406$7,336,117$377,410,673
92$581,776,389$24,659,454$7,435,202$415,457,085
93$640,966,285$25,716,472$7,532,985$457,370,291
94$706,188,785$26,820,517$7,629,279$503,544,242
95$778,059,063$27,973,746$7,723,883$554,413,056
96$857,255,040$29,178,411$7,816,585$610,455,112
97$944,523,775$30,436,875$7,907,162$672,197,568
98$1,040,688,526$31,751,608$7,995,378$740,221,332
99$1,146,656,517$33,125,197$8,080,984$815,166,543
100$1,263,427,502$34,560,353$8,163,717$897,738,618